How much does Cadillac car insurance cost? 

How to find the cheapest Cadillac car insurance quotes

The best car insurance companies for Cadillac drivers

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Insurance costs for popular Cadillac models 

Safety ratings: Cadillac models with a greater number of safety features and higher safety ratings—like the Cadillac XT6—tend to have lower insurance costs. 
Vehicle value: Your insurance costs increase in proportion to your vehicle’s value. That’s why the CT4 costs less to insure than the CTS or Escalade. 
Vehicle class: Compact sedans and compact SUVs typically cost less to insure than larger sedans or sports-oriented models. The
trim level
you choose can also have an impact on the price you pay. 
Engine size: Cars that pack a lot of horsepower are considered a greater risk to insurers since there’s an increased likelihood for drivers to speed and get into trouble, not to mention the potential for serious accidents. 
Availability of replacement parts: If you drive a rarer model or highly customized car, replacement parts can become harder to source—which can drive up your insurance costs.  
Cost of repairs: Like many luxury car brands, Cadillacs are slightly more expensive to maintain and repair than other vehicles, which contributes to increased insurance rates. 

Cadillac XTS insurance costs 

Base (XTS): Simply called the XTS, the base model comes with the cheapest price tag—but that doesn’t mean it’s not well-equipped. Inside, you’ll find high-tech amenities like a rearview camera and rear parking sensors, Bluetooth compatability, and a built-in Wi-Fi hotspot. Leather upholstery also comes standard.
Luxury: The Luxury trim level builds on the base, adding extras like built-in navigation, driver-seat memory settings, and automatic parking for front-wheel drive models. 
Premium Luxury: In the Premium Luxury, you won’t have to pay extra for safety tech—features like lane departure warnings, blind-spot monitoring, and automatic braking come standard, along with an upgraded interior. 
Platinum: The Platinum trim builds on the sedan’s already high-end interior features, adding an electronic limited-slip differential, faux-suede headliners, and an extended leather trim for the center console and dash panel. 
Platinum V-Sport: What sets the V-Sport apart from its counterpart is primarily its 3.6-liter turbocharged V6 engine. Additionally, all-wheel drive comes standard. 

Cadillac XT5 insurance cost

Luxury (Base): Starting at $45,600, the XT5 base trim offers a tiny but powerful turbocharged 2.0-liter engine, nine-speed automatic transmission, and driver’s assistance tech like front and rear parking sensors, forward collision warning, and lane-keeping assist. 
Premium Luxury: Starting at $51,400, the Premium Luxury is the most XT4 popular trim, as it adds leather upholstery, a panoramic sunroof, built-in navigation, and upgraded driver’s assistance technology to the mix. 
Sport: Starting at $58,500, the Sport trim mirrors the Premium Luxury in features, while expanding on the SUV’s athletic appearance with 20-inch wheels, standard all-wheel drive, and a sport-tuned suspension and updated braking system. 

Cadillac Escalade insurance costs 

Luxury: Starting at $81,190, the base model for the Escalade comes generously equipped with simulated leather upholstery, keyless entry, and a 19-speaker audio system. It’s powered by a 2.6-liter V8 engine.
Premium Luxury: Starting at $89,990, the Premium Luxury trim builds on the base model with extras like a massive 16.9-inch infotainment display, wireless charging pad, and driver’s assistance tech. 
Premium Luxury Platinum/Sport: Ranging from at $92,990 to $107,900, the Premium Luxury Platinum and Sport Platinum trims offer a multitude of performance upgrades, as well as indulgent creature comforts—from a rear-seat entertainment system to massaging front seats and a 36-speaker sound system. These models are also set apart by custom gloss-black trim and wheels. 
V: Starting at $151,090, the Escalade-V is the only model to feature a supercharged 6.2-liter V8 capable of 682 horsepower. The V also boasts specialized driving modes and high-performance brakes. 

Are Cadillacs more expensive to insure?

Cheapest Cadillacs to insure

Most expensive Cadillacs to insure

What factors affect Cadillac car insurance rates?

Vehicle cost: Premiums tend to be higher for higher-value models.
Vehicle age: With the exception of some collector models, older versions of Cadillac cars incur lower insurance costs compared to new ones.
Cost of parts: Less common and customized models have higher replacement and repair costs, making them more expensive for insurance companies to cover. 
Your age: Drivers under 25 usually face higher insurance rates due to limited experience, while senior drivers above 70 may also encounter increased rates.
Your driving record and claims history: Drivers with a clean record are often offered lower rates, while those with a history of accidents, tickets, and violations can expect higher premiums.
Where you keep your car: Insurance costs can be higher for individuals who park in neighborhoods with more elevated rates of property crime, auto theft, and/or weather risk—meaning rates can vary from city to city. 

Availability: Replacement parts for many Cadillac cars are expensive, even if you’re using aftermarket or used parts. This is especially true for classic Cadillacs. 
Imports: Cadillacs are primarily manufactured in the U.S., Canada, and China. Models made in other countries need to be shipped in, which can increase costs. 
Trim level: The cost of your Cadillac can vary greatly based on the trim level you select. Base trims cost less to insure than upper-tier trim levels. 
Safety: Cadillac’s high safety ratings are offset by their turbocharged engines and capacity for high speeds. 

Cadillac insurance cost for young drivers

Cadillac insurance cost for senior drivers

Senior drivers have a higher probability of being involved in car accidents
Accidents involving senior drivers often lead to more severe injuries and higher medical expenses

Cadillac insurance cost for drivers with driving violations 

Speeding tickets
DUIs
At fault accidents
Reckless driving
Driving on a suspended license

Cheapest car insurance for Cadillac drivers with a speeding ticket

Cheapest car insurance for Cadillac drivers with a DUI

Cheapest car insurance for Cadillac drivers after an accident

Cheapest car insurance for Cadillac drivers with other driving violations on their record

How can I lower the cost of my Cadillac car insurance?

Shop around: The first insurance policy you find may not be the cheapest—that’s why it’s important to shop for quotes from multiple insurance companies to find the best deal. Luckily, that’s exactly what Jerry was designed to help you do. As a licensed insurance broker that’s partnered with over 55+ leading insurance providers, Jerry can narrow down all the best quotes and coverage options for you.
Bundle your insurance policies: Consider bundling your car insurance with your
homeowners
or
renter’s insurance
to receive a discounted rate on both policies. 
Look for discounts: Most auto insurance companies offer discounts to help lower the cost of car insurance—and if you’re eligible for multiple discounts, the combined effect could put a sizable dent in your premium. Ask your agent if there are any unadvertised insurance discounts you may be eligible for, such as discounts for good driving, good students, or low mileage. 
Reduce your coverage: Consider
reducing the coverage amount
on older or infrequently driven vehicles. This is particularly beneficial if your car's value is less than ten times the premium you're currently paying.
Raise your deductible: Your deductible is the out-of-pocket expense you pay before your collision or comprehensive coverage applies to a claim. Increasing this cost can lower your average monthly bill. 

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